Understanding Cash Management


There are so many ways to manage cash nowadays. Nearly everywhere you turn, there’s an opportunity to save more, spend less, invest wisely and shop smarter.

Purchasing cards, zero balance accounts, check services -- it’s all a bit overwhelming at first. But we want to help make sense of it all. Our goal at Horizon Bank is to make banking easy, effective and efficient for everyone. Part of that goal is ensuring that your cash management process works, and works well.

Here are a few ways that Horizon Bank works with you to make life easier:

Receive payments Easily: Help improve cash flow, minimize collections risk and better serve your customers with check scanning, electronic fee collections, online payments,  lockbox services and merchant processing:

Online Payment Portal

A secure online payment portal makes it simple for donations and payments from customer accounts or credit cards. We’ll even give you a unique web address!

Electronic Check Service
A service that will convert all of your business’s paper checks into safer, more efficient electronic transactions to keep track of your finances more safely, and be able to grow your business more quickly.

Merchant Processing
Get paid faster and help your business work smarter. Day-to-day processing activities are managed easily through our free online account management tool.

Remote Deposit Capture
Deposit directly from your desk! Capture checks electronically and the resulting images are transmitted to the bank and deposited into your checking account.

Electronic (ACH) Collections
Make it easier on your customers by collecting funds directly from business and consumer accounts. Recurring fees are easily paid with preauthorized credits.

Lockbox Services
Accelerate the payment process and streamline your receivables with Horizon Bank’s lockbox service.


Disperse Money Effectively: Making sure your employees get paid on time to every day purchases - even making international payments - Horizon Bank has options designed to suit your business. 

Direct Deposit
A valuable resource for businesses and organizations looking to reduce operational time and errors made during their payroll period.

Business Debit Card
Make purchases wherever Mastercard is accepted and the purchases are taken directly from your business checking account. More convenient than cash.

Business Credit Cards
Choose the card that best meets your business' needs, including Travel and Rewards cards.

One Card Purchasing Card
Manage travel and purchasing transactions by consolidating into a single solution.

Electronic (ACH) Payments
Make payments to vendors and other businesses electronically. Time your payments, reduce costs and increase efficiency.

Manage Money Safely:
 Eliminate the worry that comes with money management by allowing Horizon Bank's money management accounts to move your money automatically based upon your parameters. 

Positive Pay

Receive listing of any suspicious or unauthorized checks posting to your account, all accessible online!

Reverse Positive Pay

Review all paid checks as a tool to detect potential fraud and make payment decisions by a predetermined deadline.

Credit Sweep

Connect your line of credit with a checking account to optimize funds management and eliminate idle funds.

Zero Balance Account

Concentrate funds for greater efficiency and do away with manual processing.

Investment Sweep

An investment sweep automatically invests idle balances, and is designed to make your money work harder.

CD Rom Imaging

Receive images of checks and deposited items and forget the hassle of photocopying. Arm yourself with a convenient retrieval system for researching checks and deposits!

Learn more about our cash management services online or contact a business advisor today.